Costco Anywhere Visa – How to apply

By Raquel Oliveira • 04/04/2025

Costco Anywhere offers an impressive array of benefits that cater specifically to Costco members.

The Costco Anywhere Visa Card by Citi is designed for those who want their everyday spending to work harder for them — rewarding every gas fill-up, every dinner out, and every Costco shopping spree.

Imagine carrying a card that truly understands your lifestyle, turning routine expenses into powerful rewards without complicating your finances or adding unnecessary fees.

If you’re someone who drives often, enjoys traveling, or loves making the most of your Costco membership, this card is the perfect tool to help you save more effortlessly.

Let’s explore how the Costco Anywhere Visa® Card by Citi can transform your daily routines into smart opportunities for financial growth and real savings.

How Does the Costco Anywhere Visa Card by Citi Work?

The Costco Anywhere Visa® Card by Citi offers a robust rewards program that complements your spending habits.

Cardholders earn 4% cashback on eligible gas purchases, including those made at Costco gas stations, up to $7,000 annually, and then 1% thereafter. This high rate is particularly beneficial for frequent drivers or those with long commutes.

Dining and travel also earn 3% cashback, making the card an excellent choice for those who enjoy eating out or planning trips.

Costco purchases, both in-store and online, earn 2% cashback, ensuring you’re rewarded for your membership loyalty. For all other purchases, the card offers 1% cashback.

Main Benefits for the Costco Anywhere Visa Card by Citi

The Costco Anywhere Visa Card by Citi offers an impressive array of benefits that cater specifically to Costco members.

The 4% cashback on gas purchases is one of the highest rates available, making it a standout feature for those with regular fuel expenses. The 3% cashback on dining and travel adds versatility to the card, rewarding spending outside of Costco.

Earning 2% cashback on all Costco purchases, whether in-store or online, enhances the value of your Costco membership, while the no-annual-fee policy ensures that every dollar you earn goes directly toward your savings.

Who Should Consider the Costco Anywhere Visa® Card by Citi?

The Costco Anywhere Visa® Card by Citi is an excellent fit for individuals who frequently shop at Costco and value maximizing everyday purchases through cashback rewards. If you spend regularly on gas, dining, travel, and Costco essentials.

Frequent drivers, in particular, can benefit from the high 4% cashback on eligible gas purchases, while travelers and food enthusiasts will appreciate the 3% back on dining and travel expenses. The 2% cashback at Costco, both online and in-store.

However, this card is best suited for those who pay off their balances in full each month. Given the relatively high APR, carrying a balance could diminish the benefits gained from cashback rewards.

Overall, if you’re a Costco member seeking a straightforward, high-earning rewards card that complements your lifestyle and spending habits, the Costco Anywhere Visa® Card by Citi is a strong and reliable choice.

Cons for the Costco Anywhere Visa® Card by Citi

While the Costco Anywhere Visa® Card by Citi offers many advantages, it’s not without its drawbacks. The cashback rewards can only be redeemed at Costco warehouses, which may not be ideal for those who prefer more flexible redemption options.

Additionally, the card requires a paid Costco membership to apply, adding an indirect cost for those who don’t already have one.

The high APR also makes it less suitable for individuals who tend to carry a balance, as interest charges can quickly outweigh the benefits of the cashback rewards.

APR and Fees

The card does not charge an annual fee, which is certainly a plus for those looking to save on yearly costs. However, it’s important to note that this benefit is tied directly to your Costco membership, which does have its own annual fee. In other words, while the card itself doesn’t have a yearly charge, the membership that grants you access to Costco’s services and discounts requires you to pay a separate annual fee. This distinction is important to consider when evaluating the overall cost-effectiveness of using the card.

How to Apply for the Costco Anywhere Visa® Card by Citi

Applying for the Costco Anywhere Visa® Card by Citi is simple and straightforward. Here’s how:

1. Visit the Website: Go to Citi’s official website or Costco’s membership page and locate the Costco Anywhere Visa® Card by Citi. Click “Apply Now” to get started.
2. Provide Your Information: Enter your personal details, including your name, address, Social Security number, and income. You’ll also need to confirm your Costco membership information.
3. Submit Your Application: Review your details for accuracy and click submit. Most applicants receive an instant decision, though some cases may require additional review.
4. Activate Your Card: Once approved, your card will arrive in the mail within 7–10 business days. Activate it online or through Citi’s app, and start earning rewards right away!

With its tailored rewards program and seamless integration into Costco membership benefits, the Costco Anywhere Visa® Card by Citi is a fantastic choice for loyal Costco shoppers who want to maximize their spending.

Conclusion

The Costco Anywhere Visa® Card by Citi isn’t just another credit card — it’s a strategic advantage for anyone who values high cashback, smart spending, and maximizing every dollar.

With generous rewards on gas, dining, travel, and all Costco purchases, it elevates your everyday spending into something far more rewarding.

Thanks to its no-annual-fee benefit for Costco members, every reward you earn goes directly toward real savings, making your membership even more valuable.

If you’re ready to make every purchase count, the Costco Anywhere Visa® Card by Citi is a powerful ally for your financial journey.